Travis Kimball- One Stop Mortgage

05/26/2026

Ultra Saver is a Conventional mortgage option created to help expand access to homeownership through targeted pricing incentives. 🎯

This program is available for eligible properties located in specific census tracts and offers competitive pricing designed to support affordability and long-term homeownership. It can be used for 1–4 unit primary residences and does not have income limits unless combined with HomeReady® or Home Possible® guidelines.

At Supreme Lending, Ultra Saver is reviewed carefully to confirm property eligibility and ensure the program aligns with its intended purpose.
This option may be a meaningful opportunity when a home is located in an eligible census tract and cost savings can help make homeownership more attainable.🏡🤝

Loan program eligibility, terms, and conditions apply. Not all borrowers will qualify. This is not a commitment to lend. Rates, terms, and availability may vary.
https://myoc.io/cj5LZmdXk3E



Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129
(www.nmlsconsumeraccess.org), ©2026 Equal Housing Opportunity.

05/21/2026

HomeReady® and Home Possible® are Conventional loan programs created to help buyers with lower incomes achieve homeownership. 🏡

These programs are designed to support affordability through lower down payment requirements and more flexible guidelines, while still offering the stability of Conventional financing.

They’re often used by buyers whose income falls within program limits and who are looking for a more accessible path to purchasing a home.

At Supreme Lending, these options are reviewed carefully to confirm eligibility and ensure the loan structure supports long-term success. 🤝

This type of financing may be a strong fit when income is limited but homeownership goals are within reach.

Loan program eligibility, terms, and conditions apply. Not all borrowers will qualify. This is not a commitment to lend. Rates, terms, and availability may vary.
https://myoc.io/cj5LZmdXk3E



Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129
(www.nmlsconsumeraccess.org), ©2026 Equal Housing Opportunity.

05/19/2026

Supreme Dream is a down payment assistance program created specifically to work with FHA loans, helping buyers manage upfront costs more effectively.

It offers two flexible options. The 3.5% forgivable option has no interest and no monthly payment and is forgiven after five years of on-time mortgage payments. The 5% repayable option is structured as a 10-year fixed-rate second mortgage with low monthly payments. 🏡💰

There is no first-time homebuyer requirement and no income limits.

At Supreme Lending, FHA programs paired with down payment assistance are evaluated carefully to support both affordability at closing and long-term success. 🤝

This option may be especially helpful when FHA financing makes sense and assistance is needed for down payment, closing costs, or lowering the initial payment.

Supreme Dream Down Payment Assistance program is subject to loan program guidelines, borrower eligibility, and property requirements. Not all borrowers will qualify. This is not a commitment to lend. Rates, terms, and availability may vary.
https://myoc.io/cj5LZmdXk3E



Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129
(www.nmlsconsumeraccess.org), ©2026 Equal Housing Opportunity.

05/14/2026

Lock N’ List is designed to help sellers gain momentum by making affordability part of the listing itself. 🔐

With this program, an interest rate can be locked for up to 90 days and paired with a temporary buy-down, giving buyers a lower monthly payment during the first two years of the loan. The reduced payment may be advertised with the home, helping buyers better understand affordability from the start.

An added benefit for buyers is rate certainty and the option to refinance later if rates improve.
At Supreme Lending, Lock N’ List is used as a strategic tool to help listings stand out when interest rates are top of mind. 💬

This option may be especially effective when a home needs additional attention or a payment-focused incentive to attract buyers.

Lock N’ List is subject to program guidelines, borrower qualifications, and property requirements. Not all borrowers or properties will qualify. Rates and terms are subject to change and availability. This is not a commitment to lend.
https://myoc.io/cj5LZmdXk3E



Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129
(www.nmlsconsumeraccess.org), ©2026 Equal Housing Opportunity.

05/12/2026

VA Renovation loans are designed to help eligible veterans and service members improve a home while using their VA loan benefits. 🇺🇸

This program allows renovation costs to be included in the VA loan, eliminating the need for separate financing or large out-of-pocket expenses after closing. It may be used for repairs or improvements that make a home safer, more functional, or better suited to the borrower’s needs.

At Supreme Lending, VA renovation loans are handled with detailed planning to ensure the renovation scope, timelines, and VA guidelines align from the start. 📝

This option may be especially helpful when a home needs updates but VA financing is the preferred path.

VA Renovation loans are subject to loan program guidelines, borrower eligibility, and property requirements. Not all borrowers or properties will qualify. This is not a commitment to lend. Rates, terms, and availability may vary.
https://myoc.io/cj5LZmdXk3E



Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129
(www.nmlsconsumeraccess.org), ©2026 Equal Housing Opportunity.

05/10/2026

5.0 star review received on Experience.com for Travis Kimball by Harlen T - Travis is professional and very responsive and kind

Click to see all 67 reviews of Travis Kimball, LOAN OFFICER - NMLS ID: 2371304

05/07/2026

The FHA Earned Equity Program (EEP) is designed to help buyers qualify for homeownership by recognizing what they’re already doing well in paying their housing expenses on time.

Instead of relying solely on traditional credit scores, EEP allows verified rent or housing payment history to be used as earned equity. With just three months of bank statements and alternative credit verification, buyers may be able to qualify with FHA financing and as little as 3.5% down. 💵

This program can support a wide range of buyers, including first-time homebuyers, borrowers with no credit score, ITIN borrowers, DACA recipients, and non-permanent resident aliens.

At Supreme Lending, EEP is used to create opportunity while maintaining clear documentation and structure.

This option may be especially helpful for renters with consistent payment history who want a simpler, more flexible path to homeownership. 🏡

The FHA Earned Equity Program (EEP) is subject to loan program guidelines, borrower eligibility, and property requirements. Not all borrowers will qualify. This is not a commitment to lend. Rates, terms, and availability may vary.
https://myoc.io/cj5LZmdXk3E



Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129
(www.nmlsconsumeraccess.org), ©2026 Equal Housing Opportunity.

05/05/2026

Investment Edge is designed for investors who are purchasing with a 25% down payment and want financing that reflects that lower risk profile.

This Conventional program applies to purchase transactions on 1–4 unit investment properties and follows standard agency guidelines. By putting more money down, investors may benefit from improved pricing compared to higher-leverage investment options. 🏡

At Supreme Lending, Investment Edge is used strategically for buyers who want Conventional financing while optimizing long-term loan terms.
This option may be a strong fit when an investor is buying with a 25% down payment and wants to take advantage of better pricing within Conventional guidelines. 💰

Investment Edge is subject to loan program guidelines, borrower eligibility, and property requirements. Not all borrowers or properties will qualify. This is not a commitment to lend. Rates, terms, and availability may vary.
https://myoc.io/cj5LZmdXk3E



Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129
(www.nmlsconsumeraccess.org), ©2026 Equal Housing Opportunity.

05/01/2026

5.0 star review received on Experience.com for Travis Kimball by Diana H - Travis offers a diverse range of loan programs and consistently finds the best fit for my clients. He is efficient, reliable, and ensures every transaction closes smoothly and on time.

Click to see all 66 reviews of Travis Kimball, LOAN OFFICER - NMLS ID: 2371304

05/01/2026

5.0 star review received on Experience.com for Travis Kimball by Christopher J C - Travis and his team were patient and very helpful during the entire home purchase process. Travis navigated the complications of purchasing a condo in Florida without any issues and made our experience trouble free.

Click to see all 65 reviews of Travis Kimball, LOAN OFFICER - NMLS ID: 2371304